Rohan Sen was at work in the garment factory when his cellphone rang. To escape the wrath of his manager, the 23-year-old tried to grab the phone in a hurry when tragedy struck. His index finger got trapped under the needle and blood was all around. Before he passed out from the pain, Rohan felt that the damage might have been done.

When he came around, Rohan felt numbness like he had never known before. He was in a hospital and it did not take him long to realize that the damage was indeed done. Two of his fingers had been amputated. The sole bread earner thought of his family—an ageing mother and a school-going brother. That was when his manager came up to him and patted his shoulder, reassuring him that all was not lost. The factory had him covered.

Customizable plan
The group personal accident cover is a major initiative that enterprises have been taking to cover their employees. Several insurance firms have devised products to suit the various needs of employers. Max Bupa, too, is in the fray. But what sets this company’s policy apart is its unique customizable plan. The comprehensive plan can adjust to any need. It can be for large or small corporate firms or smaller groups like communities, associations, and institutions. The plan can meet the needs of group members besides giving the employer flexibility and freedom to design the cover of his choice.

Basic benefits and more
The policy provides cover for basic benefits like accidental death, permanent total disability, permanent partial disability, and temporary total disability. Not only that, it offers employers the power to pick and choose extra benefits for all or select members of the group. This makes it a one-of-a-kind plan. Perhaps the best part of the policy is that the coverage can be extended to the dependants of the group members. This is why it is so important for victims like Rohan.

Comprehensive plan
Max Bupa’s Group Personal Accident Cover is the most comprehensive product available in the market today. It offers many optional benefits along with the basic cover. The insured person can choose from an array of flexible covers under a single plan. The choice ranges from a comprehensive full package to a la carte benefits. With the sum insured, too, there is a wide choice for the employer to pick from. Several innovative features are embedded in the plan. These include the corporate floater and ‘any-one-year-loss’. This gives the group members enhanced protection.

360-degree coverage without fine print
The plan ensures 24/7 coverage in any part of the world. It covers all accidents without any fine print. The accidents include those which result from natural calamities and high-risk events. Businesses are exposed to terrorist attacks and the plan takes care of these, too. For a lump-sum settlement, Max Bupa offers a package for all basic benefits like accidental death, permanent partial disability, and temporary total disability. The process is quick and needs no medical underwriting.

For more details on the product, please read the product sales brochure and rider brochure (wherever applicable) carefully.